• Due to product iteration, the H5 payment authorization can be applied for using the Merchant Onboarding interface.
• For more information, please refer to:
Merchant Onboarding(Introduction)
Merchant Onboarding(Preparation)
Merchant Onboarding(Development Guidelines)
Merchant Onboarding(APIs)
Before accessing, merchants/institutions should first determine the access mode applicable to the registration areas of their companies. WeChat Cross-Border Pay currently provides three access modes: direct connection mode, institutional mode, and common service provider mode.
In the direct connection mode, you can log in to the Merchant Platform without batch application for H5 payment, i.e. one application for long-term use. See H5 Payment Access Guidelines for details.
In the institutional mode, the acquiring institution connects to the WeChat Pay API and provides the secondary encapsulation interface for the merchants. WeChat Pay settles the transaction amount with the acquiring institution, and the acquiring institution settles the transaction amount with the merchants. At present, this access mode can be used in all areas where WeChat Cross-Border Pay is available. It is also the main connection method of WeChat Cross-Border Pay. For specific access procedure and qualification requirements, refer to the institutional mode onboarding instructions. If you would like to find out more about the acquiring institutions in your area that has cooperated with WeChat Pay, click to view it.
In the common service provider mode, the common service provider connects to the WeChat Pay API and provides the secondary encapsulation interface for the merchant. The common service provider processes the transaction information flow only, and does not touch the cash flow. The transaction amount will be settled directly with the merchant. Currently this access mode is only available in Hong Kong. For specific access procedure and qualification requirements, refer to the common service provider mode onboarding instructions.
Select the access mode according to your actual situation and your country or region.
When on boarded in WeChat Pay, all institutions or direct merchants need to apply for a collection account first, which is mch_id. The application address is as follows: Merchant ID Application Guidelines
After a merchant ID is applied for successfully, WeChat Pay will send a notification email to the email filled in by the institution, including the mch_id successfully applied for and the password. Please keep them properly. An example is as follows:
Note: One mch_idcan only correspond to one settlement currency. If you need to use multiple currencies for collection, you need to apply for the corresponding number of mch_id.
As all WeChat Pay product systems are built on the WeChat social system, when direct merchants or institutions access WeChat Cross-Border Pay, a WeChat social carrier is also needed, and its corresponding ID is APPID
At present, the social carrier of institutions can only be an official account. Please apply for an official account through the following link: Official Account Application Guidelines
After an official account has been applied for successfully, the institution can log in to the official account platform to obtain the corresponding APPID. The specific directory for viewing is Development > Basic Configuration > Official Account development information, as shown in the figure below. Usually, one institution only needs to apply for one official account.
After both APPID and mch_id have been applied for, the binding relationship between them needs to be established.
The institution can log in to the merchant platform and select Dev Configuration on the top tab to enter the binding operation page. If the platform prompts that the binding has failed, contact the corresponding BD or assistant to complete the binding.
In the institutional mode, multiple mch_id can be bound under one APPID, but one mch_id can only be bound to one APPID.
An example is provided below for easy understanding:
APPID is a social carrier, which can be thought of as an individual entity.
mch_id is the collection account, which can be thought of as a bank account.
One individual entity can have multiple bank accounts, but one bank account can only be owned by one individual entity.
After the above steps are completed, the sub-merchant onboarding permission will be opened to the institution.
Institutions can log in to the merchant platform and enter the Institution interface to complete the onboarding of sub-merchants, or use the on boarded sub-merchant API to complete the onboarding.
The following two conditions must be met at the same time:
1. The merchant, institution, and common service provider have no violation records.
2. The institution is not from the following countries: Indonesia, Cambodia, Laos
Before using API to apply for H5 payment for the first time, a supplementary agreement must be signed to enable continuous use in future.
Log in to the Overseas Merchant Platform, access the H5 application page, click +Batch Apply to sign the Letter of Commitment for H5 Payment with WeChat Pay.
a) a) Log in to the Overseas Merchant Platform. In the institutional mode, select Institution—H5 Payment Application to access the H5 payment application page. In the common service provider mode, select Service Provider - Products Application - H5 Payment to access the H5 payment application page. The application for H5 payment is currently not available in Indonesia, Cambodia and Laos.
b) Click the +Batch Apply button in the middle of the page to call up the Letter of Commitment for H5 Payment.
c) By selecting Accept and confirming the selection, the merchant can use API to apply for H5 payment on behalf of its sub-merchant.
WeChat Pay API Key v3 is used to encrypt and decrypt sensitive information in interface transmission. For specific encryption and decryption rules, refer to Encrypting and Decrypting Sensitive Information.
Follow the steps below to configure API Key v3:
The merchant certificate is used for signing and signature verification during content transmission by institutions/direct merchants.
Institutions can log in to WeChat Merchant Platform, and select Account Settings > API Security > API Certificate to download the certificate.
Follow the steps below to download the certificate:
H5 payment is to pull up WeChat client for payment through a browser other than WeChat client itself. However, the domain name of the corresponding page must be configured in and authorized by the WeChat Pay Merchant Platform before pulling up H5 payment.
The H5 payment domain name in the payment permission application submitted through API will be automatically configured to the corresponding sub-merchant and will take effect immediately after review.
See the procedure below to configure a payment domain name valid for all sub-merchants of an institution.
Customer Service Tel
Business Development
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Technical Support
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